XTB vs Coinsbank: Fees, Security, Features & Which to Choose (2025)

Trying to choose between XTB and Coinsbank This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 19, 2025

XTB

Coinsbank

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

China

Yes

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

India

China

Yes

Canada

Yes

United Kingdom

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XTB is ideal if:

Beginners and hands-on learners will find XTB well-suited, thanks to its intuitive xStation platform and extensive educational tools designed to build confidence and trading skills.
Traders seeking a secure, transparent broker will appreciate that XTB is exchange-listed with strong regulation across multiple jurisdictions, ensuring accountability and trust.
Active traders looking for diverse assets can benefit from access to thousands of CFDs plus real stocks and ETFs, all within a modern, customizable environment built for efficiency.

Coinsbank is ideal if:

All-in-one crypto hub: Combines wallet, exchange, merchant gateway, and crypto-linked debit cards—great if you value integrated tools under one roof.
Fiat and card convenience: Supports multiple fiat currencies and offers debit cards with instant crypto conversion—ideal if you frequently spend or manage fiat alongside crypto.
Beginner-friendly and secure: Features a clean, intuitive interface with mobile support and strong security (2FA, cold storage)—well-suited for new users prioritizing ease of use.

XTB isn’t ideal if:

You prefer passive investing or long-term mutual funds, as XTB focuses on active CFD and Forex trading—not traditional mutual funds or bonds.
You want to automate or mirror trades, since XTB lacks features like copy trading or social trading capabilities.
Advanced pro traders needing extreme platform customization (e.g. strategy backtesting or Level II data) might find xStation’s tooling a bit limited.

Coinsbank isn’t ideal if:

Limited crypto variety: Only supports a handful of major coins—may frustrate users seeking diverse altcoin options.
Regulatory ambiguity: Licensed in Belize but with unclear regional oversight—less appealing if you prefer exchanges with transparent local regulation.
Spotty user feedback: Mixed to negative reviews and inconsistent support response—might concern anyone valuing reliable, responsive customer service.

Fees & Total Costs

Spot Maker/Take

XTB doesn’t use a traditional maker/taker pricing model or native token discounts—instead, typical spot instruments are offered as CFDs, with costs embedded in floating spreads and without separate maker/taker fees or token-based rebates.

CoinsBank applies a flat 0.20% maker and 0.50% taker fee regardless of trading volume, with no discounts linked to holding a native token.

Futures/Derivatives

Futures or derivatives—like CFDs on commodities, indices, or crypto—don’t follow a maker/taker structure

CoinsBank does not currently offer futures or derivatives trading, so maker/taker fees and funding costs are not applicable.

Average Spreads on Liquid Pairs

On crypto CFDs like Bitcoin and Ethereum, spreads are competitive—starting around 0.22% of the market price on liquid pairs such as BTC/USDT and ETH/USDT—and vary dynamically with market liquidity.

While precise spreads aren’t publicly stated, CoinsBank’s flat trading fee structure suggests that the spread is integrated into the market price and remains modest but slightly higher compared to low-fee platforms.

Fiat Deposits & Withdrawals

Deposits via bank transfer, cards, and e-wallets (e.g. PayU, PayPal, Skrill) are generally free from XTB’s side; withdrawals above a certain amount are also free and processed quickly, while smaller withdrawals may incur a nominal fee.

CoinsBank accepts fiat via wire transfer and credit card, with the processing time depending on method; fees are present but not clearly disclosed, and delays may occur depending on the payment channel.

On-chain Withdrawals

XTB doesn’t support direct on-chain cryptocurrency withdrawals—since trading is conducted via CFDs, there are no network-based crypto withdrawal fees (neither fixed nor variable).

Cryptocurrency withdrawals like BTC are charged a fixed fee (for example, 0.005 BTC), instead of variable “dynamic” network fees, and similar structure likely applies to ETH, TRX, etc., though amounts aren’t explicitly listed.

Hidden Costs

A modest currency conversion spread (around 0.5%) applies when trading in non-base currencies, and an inactivity fee may apply after prolonged dormancy, but there are no extra express KYC charges; overall, XTB emphasizes transparency in these miscellaneous costs.

Some potential extra costs can include currency conversion spreads, possible fees for expedited KYC, and inactivity charges, though details are not prominently disclosed or standardized on the platform.

Real-World Cost Example: “€500 BTC

For a €500 crypto-CFD purchase, you’d pay the spread embedded in the execution price (around 0.22%), and if you subsequently withdraw below the threshold, you might pay a small withdrawal fee—but there’s no separate trading commission or network fee, making it straightforward and relatively transparent.

If you buy €500 of BTC, you’d pay the 0.50% taker fee, plus absorb any market spread and possibly incur a fiat funding fee and fixed BTC withdrawal cost, though exact numbers shift with exchange rates and the selected withdrawal method.

Crypto Offering & Trading Features

Number of Coins & Pairs

XTB offers just over 40 crypto CFDs—including 9 major coins like BTC, ETH, XRP, LTC, BCH, and additional crosses—though only a handful (such as BTC/USD, ETH/USD) comprise the top-liquid 20 by trading volume.

CoinsBank supports four cryptocurrencies—Bitcoin, Ethereum, Litecoin, and Ripple—pairings are limited to these major assets, with only top volume pairs offered, so the total and top-20 breakdown mirrors each other.

Product Range

XTB specializes in CFD-based crypto trading with spot-like long/short positions and modest leverage; it does not offer real crypto spot, perpetuals, options, ETFs, staking, lending, copy trading, bot strategies, or automated DCA features.

CoinsBank focuses on spot trading only, without margin, futures/perpetuals, options, ETFs, staking, lending, copy-trading, grid bots, or automated DCA strategies—their offering remains straightforward and singular.

Liquidity

While specific figures aren’t published, XTB provides competitive liquidity on its BTC and ETH CFDs—figures implied by tight, dynamic spreads and real-time execution suggest good 24-hour volume and depth, comparable with leading CFD brokers.

Liquidity data, including precise 24-hour volumes or depth metrics for BTC/ETH, isn’t publicly disclosed on the platform, suggesting moderate liquidity but without publicly accessible indicators.

Tools

XTB’s xStation platform includes limit, stop-loss, OCO, and take-profit automation; custom alerts; rich charting with technical indicators; but no public API or native TradingView integration, in line with its updated platform focus.

The platform offers essential tools—limit orders, stop-loss, take-profit (OCO-style) and real-time charts—but lacks advanced alert systems, built-in TradingView, or public API/websocket access.

Geographic Restrictions by Product

Depending on jurisdiction, some instrument types (like crypto CFDs or leveraged products) may be restricted—for instance, XTB may disable crypto trading in regions where regulations don’t permit such derivatives.

CoinsBank allows access to the same basic spot trading services across supported regions, with no explicit geographic restrictions detailed for trading products like derivatives (which are simply not offered).

Innovation

XTB does not feature crypto-native innovations like launchpads or launchpools, nor does it offer staking or earn products of any kind—its crypto offerings remain purely CFD-based with no yield-generating or token launch services.

Current innovation tools like launchpad, launchpool, flexible or locked earn products are not part of CoinsBank’s offering, as the platform maintains a more traditional and minimalistic functionality set.

Security, Regulation & Custody

Operating Entity & Jurisdiction

XTB is operated by XTB S.A., a publicly listed Polish joint-stock company founded in 2002 and headquartered in Warsaw, serving global clients across multiple licensed subsidiaries.

CoinsBank is reportedly operated by CoinsBank LP (financial services via XBIT Ltd), said to be registered in Belize, with historical ties to a UK-based entity and offices in Edinburgh, though verifiable details remain opaque.

Licenses/Registration

It holds regulatory licenses from key authorities including Poland’s KNF, the UK’s FCA, and Cyprus’s CySEC, ensuring compliance across Europe, though it is not registered as a crypto-specific VASP (virtual asset service provider).

Despite claims of FCA authorization under license number 182110, investigative reviews indicate that this license belongs to an unrelated entity, meaning CoinsBank lacks legitimate regulation in the UK, EU, or other formal jurisdictions.

Custody

As a CFD broker, XTB does not hold or custody real cryptocurrencies—instead, all client trading is synthetic, so there’s no need for cold storage, external custodian, or proof-of-reserves protocols.

CoinsBank appears to self-custody user assets, with no public evidence of Proof of Reserves, independent audits, or clear disclosure of cold storage percentage figures.

Insurance & Protection Funds

Client funds are safeguarded through strict segregation and, in certain regions like the UK, fall under compensation schemes, but there’s no direct insurance policy specifically for crypto assets.

The platform does not advertise any formal insurance coverage or dedicated user protection funds to safeguard customer holdings in case of loss or breach.

Incident History

XTB has experienced regulatory scrutiny (e.g., fines for pricing practices) but no major hack or crypto breach; a recent allegation of unauthorized client trading prompted immediate tightening of security controls.

Available public data does not show documented incidents such as hacks or regulatory penalties, though several user complaints question the platform’s transparency and reliability.

Risk Controls

The platform supports robust risk measures including encrypted connections, mandatory two-factor authentication (2FA), multi-contact verification, and cybersecurity monitoring—though API whitelists or sub-accounts aren’t broadly offered.

CoinsBank has historically offered basic security mechanisms such as multi-signature wallets and user-held keys, but doesn’t broadly advertise more advanced controls like whitelisting, dedicated anti-phishing tools, multiple sub-accounts, or detailed API permissioning.

Transparency

As a publicly traded entity, XTB publishes regular financial updates and reports; while there’s no public crypto wallet tracking or service-level-agreement metrics, overall operational transparency is solid.

The platform does not publish routine transparency reports, nor does it share on-chain wallet addresses or formal SLAs, making their operational transparency limited.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

XTB supports deposits via bank transfer, credit/debit cards, PayPal, Skrill, and Neteller (depending on your region); there’s no fixed minimum deposit set by the broker, card and e-wallet deposits are usually instant, while bank transfers can take from same day up to 2–5 business days depending on origin.

CoinsBank supports fiat deposits via bank transfers, credit/debit cards, and internal wallet transfers, with no clearly published deposit minimums, maximums, or exact processing times—methods appear functional but fees and limits are not transparently detailed.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

XTB requires full KYC completion—identity and bank verification—for live accounts; there’s no tiered “basic” or “advanced” structure openly published—all clients must verify identity to deposit or withdraw, with no anonymous access.

CoinsBank requires identity verification for fiat operations, but does not clearly define tiered KYC levels or associated limits; users may need to complete basic KYC to access deposit or withdrawal functions.

Withdrawals

Withdrawals go only to your verified bank account, and are free above thresholds like €50–100 depending on the entity; requests before local cut-off (~1 pm) are usually processed same-day (or next-day depending on entity), with processing time typically within 1 business day.

Cryptocurrency withdrawals use fixed fees (e.g., 0.005 BTC), with no indication of minimums, maximums, or supported blockchains beyond major ones like BTC or ETH, and timing details are not explicitly shared.

Customer Support

XTB offers 24/5 live chat, email support, and an extensive self-service help center via its Client Office; response times are typically efficient, backed by a well-organized knowledge base for common queries.

Support is available via 24/7 live chat, email, and phone, with a mobile app and web knowledge base; however, actual response times aren’t promised or documented.

Languages & Localization

The platform is fully localized in Spanish, with fees and balances shown in Europe-centric currencies (€, £, $) depending on your region, and adheres to local regulatory frameworks across its European branches.

The platform is primarily offered in English, displays prices in fiat like EUR and USD, but does not appear to offer localized content tailored to specific regions or currencies.

App Quality & Stability

The xStation mobile app is stable and regularly updated across Android and iOS, offering dark mode, push alerts, Apple Watch support, and smooth performance with rare crashes—designed for reliable trading on the go.

CoinsBank’s mobile app for iOS and Android is designed to be secure and user-friendly, employs data encryption, and enables instant transfers—but hard metrics like stability, crash frequency, or recent updates are not publicly detailed.

Experience, Performance & Ecosystem

UX/UI

The xStation platform is praised for its intuitive design and fully customizable layout, enabling users to quickly personalize their workspace with different chart layouts and toolbars—though there’s no explicit “Lite” or “Pro” mode toggle; instead, functionality scales naturally as you explore deeper features.

CoinsBank offers a clean, intuitive interface with minimal clutter, making it approachable for beginners; however, it does not differentiate between “Lite” or “Pro” versions, so all users interact with a single unified platform experience.

Performance

Execution is generally fast and stable, with xStation optimized for smooth performance even during active market conditions—though, as with any platform, extreme volumes may slow onboarding slightly, but no widespread order delays or KYC bottlenecks have been reported recently.

With a streamlined UI and centralized infrastructure, order execution is generally smooth, though there’s sparse feedback on slowdowns during high-volatility or during Bull Market KYC surges—meaning performance may vary under extreme conditions.

Education

XTB excels in educational offerings with a robust Trading Academy featuring video courses and tiered modules (beginner/intermediate/advanced), a fully functional unlimited demo environment to practice with virtual funds, and frequent webinars; while much is available in English, key materials are also localized in Spanish.

The platform doesn’t feature a built-in learning academy, demo environment, or Spanish-language educational materials, so users looking for guided tutorials or localized crypto content may need external resources.

Community

XTB does not appear to host official Discord or Telegram communities, and while it maintains a trading referral program, its community engagement centers more on its webinars, market articles, and internal support channels rather than external forums or social chat groups.

CoinsBank engages its audience through unique community experiences like blockchain-themed cruises and supports multilingual channels via WhatsApp, Telegram, WeChat, and referrals, though it lacks traditional forums or dedicated Discord groups.

Integrations

The platform does not natively integrate with TradingView or external bots, nor does it offer built-in tax or accounting tools—traders must rely on external services if they need direct charting or bookkeeping support.

The platform operates primarily as a standalone crypto solution with no native TradingView integration, external trading bots, tax reporting features, or accounting integrations—keeping the focus on core functionality.

Who Each One Is Best For

XTB works best for traders who value a sleek, beginner-friendly interface with strong educational backing, want a self-guided experience without external bots or social trading distractions, and prefer a platform where everything—from analytics to execution—is centralized and streamlined.

CoinsBank is best for users who want a consolidated crypto wallet, exchange, and spending card all in one place with straightforward usability, whereas more advanced traders or educators may find it lacking in trading sophistication or educational support.